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All Journal Sosiohumaniora IMAGE Jurnal Akuntansi dan Ekonomika Almana : Jurnal Manajemen dan Bisnis Journal of Information System, Applied, Management, Accounting and Research Journal Of Management Science (JMAS) International Journal of Finance Research International Journal of Community Service & Engagement International Journal of Marketing and Human Resource Research Operations Research: International Conference Series Transformasi Manageria: Journal of Islamic Education Management Jurnal Locus Penelitian dan Pengabdian Jurnal Economica: Media Komunikasi ISEI Riau Journal of Public Representative and Society Provision Journal of Artificial Intelligence and Digital Business Eduvest - Journal of Universal Studies Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital (JEKOMBITAL) Jurnal Pengabdian Masyarakat dan Riset Pendidikan
Riyandi Nur Sumawidjaja
Universitas Indonesia Membangun (INABA), Bandung
Religion Aerospace Engineering Arts Humanities Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Social Sciences Other

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The Influence of Capital Adequacy Ratio, Non-Performing Loan, and Loan to Deposit Ratio on Return on Assets : on State-Owned Enterprise Banks is listed on the Indonesia Stock Exchange for the 2015-2024 Period Adhitama, Prayoga Tri; Sumawidjaja, Riyandi Nur
International Journal of Finance Research Vol. 6 No. 2 (2025): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/ijfr.v6i2.2826

Abstract

This study examines how CAR, NPL, and LDR influenced ROA of SOE Bank from 2015 to 2024. The study's secondary data was collected from the websites of each bank's financial reports. Hypothesis testing, correlation coefficient analysis, regression analysis, classical assumption testing, and coefficient of determination analysis are examples of statistical analysis procedures. The findings demonstrated that LDR negatively impacts ROA, NPL negatively and significantly impacts ROA, and CAR positively and significantly impacts ROA. All things considered, the ROA of SOE banks that were listed at the time on the IDX was significantly influenced by these three ratios taken together.
Comparative Analysis of Active and Passive Portfolios with the Single Index Model and Capital Asset Pricing Model in Indonesia: Policy Directions in the Capital Market Sudarmadji, Harrys; Sudaryo, Yoyo; Sofiati, Nunung Ayu; Ismail, Gurawan Dayona; Sumawidjaja, Riyandi Nur
Journal of Public Representative and Society Provision Vol. 5 No. 3 (2025): Journal of Public Representative and Society Provision
Publisher : Pusat Studi Pembangunan dan Pemberdayaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55885/jprsp.v5i3.727

Abstract

This research conducts a comparative analysis between active and passive investment portfolios using two fundamental models in finance: the Single Index Model (SIM) and the Capital Asset Pricing Model (CAPM). The study focuses on stocks traded on the Indonesia Stock Exchange (IDX) that were not consistently included in the prestigious LQ45 Index during the period from January 2015 to June 2025. Using a rigorous quantitative method, the research compares portfolio performance, return, and risk under different strategies. The results conclusively indicate that portfolios designed with the Single Index Model consistently outperform those based on CAPM, and that active strategies deliver superior performance compared to passive ones. Beyond financial performance, the findings also carry significant policy implications. The consistent superiority of SIM suggests that regulators and market authorities should integrate simplified yet effective portfolio models into investor education initiatives. Similarly, the outperformance of active strategies highlights the importance of strengthening corporate disclosure standards and ensuring fair access to timely information, so that both institutional and retail investors can benefit equitably. By linking quantitative evidence with governance concerns, this study provides valuable insights for investors while offering policy directions to enhance transparency, inclusivity, and investor protection in Indonesia’s capital market.
Generational Analysis of Financial Decision- Making Among Gen-X, Gen-Y, and Gen-Z Sudaryo, Yoyo; Suryaningprang, Andre; Sumawidjaja, Riyandi Nur; Febriyanti, Diah; Zulfiqar, Mochammad
Operations Research: International Conference Series Vol. 6 No. 3 (2025): Operations Research: International Conference Series (ORICS) September 2025
Publisher : Indonesian Operations Research Association (IORA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47194/orics.v6i3.397

Abstract

This study aims to examine the influence of demographic factors on the financial decision-making behavior of three generational cohorts Gen-X, Gen-Y, and Gen-Z in urban Indonesia, focusing on Jakarta, Bandung, and Surabaya. Using a quantitative approach, data were collected through an online survey with 381 respondents and analyzed using ANCOVA and Kruskal- Wallis tests. The findings reveal that income significantly impacts financial decision-making, with higher-income individuals making more informed choices. Women and Gen-Y demonstrate stronger saving discipline and cost-optimization strategies, while city- specific patterns highlight differences in financial behaviors, such as timely payments and discount awareness. Gender and occupation show no significant overall effects, though some variations exist in specific behaviors. These results provide theoretical insights into behavioral accounting, particularly in understanding the role of income and demographic contexts in shaping financial behaviors. Practically, the study informs financial advisors and policymakers to design tailored education and advisory programs for different demographic groups. The study offers a novel contribution by utilizing ribbon chart visualizations to uncover intergenerational and intercity financial behavior patterns in Indonesia.
The effect of return on assets, return on equity, and firm size on company value in infrastructure companies listed on the BEI in 2018-2022 Budiantara, Jaka Perbawa; Supiyadi, Dedi; Sumawidjaja, Riyandi Nur; Sudaryo, Yoyo
Junal Ilmu Manajemen Vol 7 No 1 (2024): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v7i1.463

Abstract

In the ongoing industrialization era, business progress is growing rapidly, driven by very tight competition. The decline in share value in the infrastructure sector is the result of intense and growing business competition. This phenomenon encourages investors to make careful considerations before making investment decisions. Thus, the company has the opportunity to strengthen and increase its capital liquidity. This research was conducted on four large companies that have been specified, namely PT Smartfren Telecom Tbk, PT Indosat Tbk, PT Telkom Indonesia (Persero) Tbk, and PT Wijaya Karya (Persero) Tbk. The research method uses a quantitative approach with a purposive sampling method on company financial reports and applies Panel Data Regression techniques. Data analysis using the t test (Partial Test) and Simultaneous Test (F Test) revealed that, partially, Return on Assets (ROA) has no significant effect on company value. On the other hand, Return on Equity (ROE) and Company Size (Firm Size) have a significant effect on company value. Simultaneously, ROA, ROE, and Firm Size together influence company value by 48%, while other factors also play a role. The analysis was carried out through multiple linear regression using Eviews 10 software and described the calculation results of the classical assumption deviation test. This research is expected to provide considerations for companies in increasing company value and attracting the interest of more investors.
Pengaruh Tren Sosial terhadap Keputusan Pembelian Konsumen pada Ritel Modern Nugraha, Ivandanny; Sumawidjaja, Riyandi Nur
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.5358

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh penempatan produk, harga promosi, dan tren sosial terhadap keputusan pembelian konsumen pada Yogya Junction Sumbersari.Penelitian ini dilakukan untuk memberikan gambaran empiris mengenai perilaku konsumen dalam konteks ritel modern yang semakin kompetitif. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Data dikumpulkan melalui penyebaran kuesioner kepada 100 responden yang dipilih menggunakan teknik purposive sampling. Data yang diperoleh dianalisis menggunakan analisis regresi linear berganda dengan bantuan perangkat lunak SPSS. Sebelum dilakukan analisis regresi, data terlebih dahulu diuji melalui uji asumsi klasik guna memastikan kelayakan model yang digunakan. Hasil penelitian menunjukkan bahwa secara parsial penempatan produk dan harga promosi tidak berpengaruh signifikan terhadap keputusan pembelian konsumen. Sebaliknya, tren sosial terbukti berpengaruh positif dan signifikan terhadap keputusan pembelian. Secara simultan, penempatan produk, harga promosi, dan tren sosial berpengaruh signifikan terhadap keputusan pembelian konsumen. Temuan ini menunjukkan bahwa tren sosial merupakan faktor yang paling dominan dalam memengaruhi keputusan pembelian konsumen pada objek penelitian.Temuan penelitian ini diharapkan dapat memberikan kontribusi praktis bagi pelaku usaha ritel dalam merumuskan strategi pemasaran yang lebih adaptif terhadap dinamika tren dan perilaku konsumen. Hasil penelitian ini diharapkan dapat menjadi bahan pertimbangan bagi pelaku usaha ritel dalam merumuskan strategi pemasaran yang lebih adaptif terhadap perkembangan tren dan perilaku konsumen.
Analisis Pengaruh LDR, NIM, dan BOPO terhadap ROA pada Bank Maspion 2015-2024 Rizkiya, A. Yusnika; Herlinawati, Erna; Sumawidjaja, Riyandi Nur
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.5557

Abstract

Profitabilitas merupakan indikator fundamental sebagai dasar untuk mengevaluasi kondisi dan kinerja perbankan, yang umumnya direpresentasikan melalui Return on Assets. ROA mencerminkan kemampuan manajemen bank dalam mengoptimalkan pemanfaatan aset untuk menghasilkan laba. Pada salah satu bank swasta nasional, yaitu Bank Maspion, kinerja ROA sepanjang 2015 hingga 2024 menunjukkan pola yang berfluktuasi, mencerminkan perubahan dalam efektivitas fungsi intermediasi, kemampuan menghasilkan pendapatan bunga, serta tingkat efisiensi operasional. Variasi tersebut menjadi dasar penting untuk menganalisis pengaruh LDR, NIM, serta BOPO terhadap ROA. Studi ini menggunakan pendekatan berbasis data kuantitatif dengan fokus pada keterkaitan antarvariabel secara eksplanatori. Sumber data berasal dari laporan keuangan triwulanan Bank Maspion yang dipublikasikan melalui laman resminya sebagai data sekunder. Analisis dilakukan melalui teknik regresi linier berganda, setelah memastikan bahwa seluruh asumsi klasik telah terpenuhi. Temuan analisis mengungkapkan bahwa variabel LDR tidak terbukti memberikan pengaruh yang berarti pada ROA. Sebaliknya, NIM serta BOPO memperlihatkan pengaruh signifikan ketika diuji secara parsial. Namun, ketika diuji secara bersamaan, ketiga variabel bebas memiliki pengaruh secara signifikan pada perubahan ROA. Analisis data memberikan indikasi bahwa tingkat profitabilitas Bank Maspion lebih ditentukan oleh efektivitas pengelolaan margin bunga dan efisiensi biaya dibandingkan fungsi intermediasinya. Implikasinya, bank perlu memperkuat strategi pengelolaan margin dan pengendalian biaya untuk menjaga stabilitas profitabilitas di tengah dinamika industri perbankan.
Analisis Pengaruh NPL, NIM dan BOPO Terhadap Profitabilitas Bank KB Bukopin 2015-2024 SUSANTO, Putri Mulawarni; Herlinawati, Erna; Sumawidjaja, Riyandi Nur
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.5558

Abstract

Profitabilitas perbankan tidak terlepas dari dinamika risiko kredit, kemampuan intermediasi, serta tingkat efisiensi operasional yang tercermin dalam kinerja keuangan bank. Penelitian ini bertujuan untuk menganalisis pengaruh NPL, NIM, dan BOPO terhadap profitabilitas PT Bank KB Bukopin Tbk yang diproksikan dengan ROA periode 2015–2024. Metode  penelitian menggunakan pendekatan kuantitatif dengan teknik purposive sampling terhadap laporan keuangan triwulan yang lengkap dan memuat variabel penelitian yang relevan, sehingga diperoleh data yang layak dianalisis. Analisis dilakukan menggunakan regresi linier berganda untuk menguji pengaruh variabel independen baik secara parsial maupun simultan terhadap variabel dependen. Hasil pengujian parsial menunjukkan NPL dan BOPO berkorelasi negatif menekan ROA secara signifikan, yang mengindikasikan peningkatan risiko kredit serta inefisiensi operasional berdampak langsung terhadap penurunan kinerja profitabilitas bank. Sementara NIM tidak terbukti memiliki keterkaitan signifikan terhadap ROA. Hasil pengujian simultan menunjukkan bahwa NPL, NIM, dan BOPO secara bersama-sama berkontribusi secara signifikan terhadap ROA dengan koefisien determinasi (R²) mencapai 0,981 yang berarti 98,1% variabilitas ROA dapat dijelaskan oleh interaksi ketiga variabel penelitian tersebut. Temuan ini menegaskan bahwa profitabilitas PT Bank KB Bukopin Tbk lebih sensitif terhadap efektivitas pengelolaan risiko kredit dan efisiensi operasional dibandingkan kontribusi margin bunga, serta memberikan bukti empiris berbasis satu bank yang melengkapi penelitian sebelumnya yang umumnya menggunakan data panel lintas bank.
Analisis Pengaruh Rasio CAR, LDR, NPL dan BOPO terhadap Kinerja Keuangan (ROA) Bank HIMBARA Tahun 2017–2024 Safitri, Meilina; Sumawidjaja, Riyandi Nur; Sofiati, Nunung Ayu; Ismail, Gurawan Dayona; Sudaryo, Yoyo
Akuntansi & Ekonomika Vol 15 No 2 (2025): Jurnal Akuntansi dan Ekonomika
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Universitas Muhammadiyah Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37859/jae.v15i2.10449

Abstract

This study aims to analyze whether the CAR, LDR, NPL, and BOPO ratios affect ROA. The financial ratio data were obtained from secondary data of HIMBARA banks (BRI, BNI, Mandiri, and BTN) for the 2017–2024 period. The data analysis method used was multiple linear regression with SPSS. The partial results show that CAR influences ROA, while LDR, NPL, and BOPO do not have a significant effect on ROA. Simultaneously, all independent variables have a significant effect on the dependent variable. The obtained Adjusted R Square indicates that CAR, LDR, NPL, and BOPO collectively explain 92.4% of the variation in ROA, while the remaining 7.6% is influenced by other factors. This research is expected to provide a useful reference for the public and future researchers in understanding the factors that influence bank profitability.
Pengaruh Engagement Rate, Kepuasan Pengunjung, dan Customer Experience Terhadap Minat Berkunjung di Museum Geologi Bandung: Penelitian Syawaliyah, Shafira Azkia; Sumawidjaja, Riyandi Nur; Mubarok, Dadan Abdul Aziz; Herlianawati, Erna
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.4481

Abstract

The purpose of this study is to ascertain how visitors' intentions to visit the Geological Museum of Bandung are influenced by social media engagement rate, visitor satisfaction, and customer experience. The study is predicated on evolving post-pandemic tourist behavior, variable visitor numbers, and disparities in the efficacy of involvement across digital channels. People who have visited the museum were given questionnaires as part of a quantitative approach. Multiple linear regression, validity tests, reliability tests, and hypothesis testing were used to process the data. The findings show that visit intention is positively and significantly impacted by engagement rate, visitor satisfaction, and customer experience, both separately and collectively. In order to boost public interest, our findings highlight the significance of increasing visitor experiences, enhancing digital communication tactics, and improving service quality.
The Influence of Brand Image, Price, and Social Media Marketing on Car Purchase Decisions at Honda Perdana Laelasari, Memey; Fadilah, Hamidah Fauziah; Sumawidjaja, Riyandi Nur; Mubarok, Dadan Abdul Aziz; Herlinawati, Erna
Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital Vol 4 No 3 (2026): FEBRUARI
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jekombital.v4i3.1114

Abstract

The growing intensity of competition in the automotive industry has encouraged companies to more thoroughly examine marketing elements that shape consumer behaviour and purchasing decisions. At the dealership level, sales performance often experiences fluctuations across different periods, indicating that the marketing strategies implemented have not yet fully succeeded in maximising consumer purchase outcomes. This situation highlights the importance of conducting empirical research that concentrates on fundamental marketing variables. Aiming to analyze the impact of brand image, pricing, and social media marketing on car purchase decisions, this research focuses on consumers of the Honda Perdana Soreang Branch. A quantitative survey method was employed, collecting primary data through questionnaires from past customers. Analysis via multiple linear regression shows that all three variables have a positive and significant influence on purchasing decisions, both partially and simultaneously. These findings indicate that a strong brand reputation, pricing strategies aligned with consumer value perceptions, and effective utilisation of social media platforms can enhance consumer confidence in making car purchase decisions. It is expected that this study will enhance the theoretical foundations of marketing management while delivering practical recommendations to assist automotive companies in developing more effective and consumer-oriented marketing strategies.
Co-Authors Adhitama, Prayoga Tri Admaja, Firma Agustin Dwi Andre Suryaningprang Budiantara, Jaka Perbawa Dadan Abdul Aziz Mubarok Dadan Abdul Aziz Mubarok Deni Hamdani Erna Herlinawati Fadilah, Hamidah Fauziah Fajrian, Fajar Febriyanti, Diah Gurawan Dayona Ismail Herlianawati, Erna Hermayani, Regitha Aulia Husni Abdullah Ismail, Gurawan Dayona Jerisna, Jimjim Juliana, Ditha Putri Laelasari, Memey Luska Lusyana Sari Ningsih, Inka Yusnia Elya Nugraha, Ivandanny Nunung Ayu Sofiati (Efi) Puspita, Irna Rama Chandra Jaya Rizkiya, A. Yusnika Safitri, Meilina Salsabila, Nabilah Senjaya, Eka Sofianti (Efi), Nunung Ayu Sudarmadji, Harrys Supiyadi, Dedi SUSANTO, Putri Mulawarni Syawaliyah, Shafira Azkia Triestanto, Johannes Trijaya, Teguh Yoyo Sudaryo Yuningsih, Salsa Billa Putri Zulfiqar, Mochammad